Call reports 2007
SHORE COMMUNITY BANK — 2007
What SHORE COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 200,533,000 | 190,651,000 | 193,854,000 | 201,604,000 |
| Total loans | 144,947,000 | 146,119,000 | 150,604,000 | 157,262,000 |
| Allowance for loan losses | 1,760,000 | 1,840,000 | 1,941,000 | 2,169,000 |
| Securities available for sale | 22,472,000 | 21,689,000 | 20,361,000 | 20,193,000 |
| Securities held to maturity | 13,441,000 | 13,860,000 | 13,822,000 | 13,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,006,000 | 164,182,000 | 166,184,000 | 173,870,000 |
| Interest-bearing deposits | 147,992,000 | 139,836,000 | 142,707,000 | 152,677,000 |
| Noninterest-bearing deposits | 25,014,000 | 24,346,000 | 23,477,000 | 21,193,000 |
| Equity capital | 17,142,000 | 17,168,000 | 17,550,000 | 17,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,044,000 | 6,137,000 | 9,245,000 | 12,324,000 |
| Interest expense | 1,678,000 | 3,361,000 | 5,076,000 | 6,808,000 |
| Net interest income | 1,366,000 | 2,776,000 | 4,169,000 | 5,516,000 |
| Noninterest income | 105,000 | 293,000 | 416,000 | 521,000 |
| Noninterest expense | 1,170,000 | 2,422,000 | 3,649,000 | 4,905,000 |
| Provision for loan losses | 120,000 | 250,000 | 380,000 | 660,000 |
| Pretax income | 181,000 | 397,000 | 556,000 | 472,000 |
| Income tax | 35,000 | 85,000 | 112,000 | 43,000 |
| Net income | 146,000 | 312,000 | 444,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,355,000 | 17,528,000 | 17,742,000 | 17,753,000 |
| Total capital | 19,115,000 | 19,368,000 | 19,683,000 | 19,783,000 |
| Risk-weighted assets | 152,237,000 | 150,315,000 | 154,697,000 | 162,230,000 |